Net Worth Tracker
Calculate your net worth by adding up your assets and subtracting your liabilities, with a visual breakdown of what you own versus what you owe.
Net Worth Formula
Net worth is calculated by adding up everything you own (assets) and subtracting everything you owe (liabilities). The result is a snapshot of your overall financial position at a point in time.
This calculator provides a simple snapshot based on the figures you enter. For the most useful results, use current market values for assets (such as recent home valuations or account balances) and current outstanding balances for liabilities. Tracking this figure over time, such as monthly or quarterly, is often more useful than a single calculation.
How to Use the Net Worth Tracker
Enter your asset values
Add up your cash and savings, investment and retirement account balances, real estate value, vehicle values, and any other assets you own.
Enter your liability balances
Add your mortgage balance, student loan balance, credit card balances, auto loan balances, and any other debts you owe.
Calculate to see your net worth
View your total assets, total liabilities, net worth, and debt-to-asset ratio, plus a visual breakdown of your financial position.
Track your progress over time
Save your results and recalculate periodically (e.g., monthly or quarterly) to see how your net worth changes as you pay down debt and build assets.
Real-World Scenario Example
"A household with $15,000 in cash and savings, $80,000 in investments and retirement accounts, a $300,000 home, and $20,000 in vehicles, with a $220,000 mortgage balance, $25,000 in student loans, $4,000 in credit card debt, and a $12,000 auto loan."
Inputs
Result
Total assets are $415,000 and total liabilities are $261,000, for a net worth of $154,000 — a debt-to-asset ratio of about 62.9%.
Important Disclaimer
This calculator provides a simple snapshot based on the values you enter and does not constitute financial advice. It does not account for taxes, fees, or penalties that may apply when liquidating assets. Consult a qualified financial advisor for comprehensive financial planning.
Related Calculators
Emergency Fund Calculator
Find your emergency fund target based on your monthly expenses, see how much more you need to save, and estimate how long it will take to reach your goal.
Debt Snowball vs Avalanche Payoff Planner
Compare the debt snowball and avalanche payoff strategies side by side for up to 4 debts, including total interest and time to debt-free.
401(k) / Retirement Growth Calculator
Project your 401(k) balance at retirement based on your salary, contribution rate, employer match, and expected investment return.